跨境财富谈 | “跨境理财通”需求倍增工商银行力推随时随地手机开户

中国基金报2025-08-08

【编者按】随着中国经济与全球经济发展日益融合，以及中国资本市场开放程度不断提升，跨境财富管理迎来黄金时代！中国基金报和深圳市财富管理协会共创“跨境财富谈”栏目，采访境内外财富管理知名机构，助力投资者更全面了解跨境财富管理面临的机遇和风险，洞悉金融机构全球资产配置最新策略。8月4日，香港金融管理局总裁余伟文撰文表示，“跨境理财通2.0”优化措施自实施以来，市场反应良好，截至今年6月底，参与的个人...

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anywhere","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"601398":1,"03143":0.6,"01398":1},"content_text":"【编者按】随着中国经济与全球经济发展日益融合，以及中国资本市场开放程度不断提升，跨境财富管理迎来黄金时代！中国基金报和深圳市财富管理协会共创“跨境财富谈”栏目，采访境内外财富管理知名机构，助力投资者更全面了解跨境财富管理面临的机遇和风险，洞悉金融机构全球资产配置最新策略。8月4日，香港金融管理局总裁余伟文撰文表示，“跨境理财通2.0”优化措施自实施以来，市场反应良好，截至今年6月底，参与的个人投资者超过16万人，与“跨境理财通1.0”相比录得超过120%的增幅；南向通方面，香港参与机构的投资者持仓市值超过160亿元人民币，与“跨境理财通1.0”相比录得两倍的增幅。“跨境理财通”2.0启动以来，投资者参与度为何会显著提升？券商成为新一类试点机构，面对新的竞争对手，银行会如何应对？投资者应如何选择“跨境理财通”产品？就此，中国基金报记者独家专访了工行深圳市分行相关负责人。该负责人表示，“跨境理财通”日益受到投资者青睐，除了因为政策优化直接激活潜在需求外，也得益于产品的日益丰富和渠道服务的持续升级。她表示，以工行深圳市分行为例，随着客户需求显著增长且不断深化，线上化、无纸化、快速审批成为客户的核心诉求之一。为此，中国工商银行(亚洲)升级“跨境理财通”南向通开户服务，支持合资格客户可随时随地于手机银行提交开户申请。力推线上开户，满足客户线上化、无纸化、快速审批诉求该负责人告诉记者，“跨境理财通”2.0启动以来，工行深圳市分行客户需求显著增长且不断深化。一方面，参与门槛优化效应明显。南向通个人投资者准入标准下调，惠及并吸引了更广泛的客群，特别是年轻白领、中小企业主等。此外，效率需求凸显。客户对开户、交易、资金划转的便捷性和时效性要求极高。这正是我行今年优化南向通线上开户办理流程的直接驱动力。我们观察到，线上化、无纸化、快速审批成为客户的核心诉求之一。而且，服务需求也在升级。从单纯的产品购买转向对跨境资产配置规划、市场动态解读、汇率风险管理建议等综合财富管理服务的需求增长。据该负责人介绍，“跨境理财通”线上开户流程上线以来，得到客户的一致好评，客户参与情况积极活跃：一是业务量提升。线上开户流程上线以来，我行的跨境理财通业务（尤其是南向通）开户量和交易量均呈现增长态势。二是效率显著提升。我们今年优化的南向通线上开户系统，实现了开户流程电子化。客户通过手机银行即可完成准入资料的提交和验证，大大简化了手续，将开户时间从原来可能需要数日缩短至最快可在3个工作日完成开户，审核效率也大幅提升。这极大提升了客户体验，客户对此反馈非常积极。稳健型产品仍是主流中高风险产品需求有所增长工行深圳市分行相关负责人透露，当前大湾区投资者对跨境理财的需求日益多元化和精细化，风险偏好呈现分层。低风险、稳健型产品是基础需求，同时中高风险产品需求也有所增长。北向通方面，该负责人告诉记者，内地稳健型理财产品仍是主流，特别是中低风险的固定收益类产品（如纯债基金、理财产品）、货币市场基金。原因在于其收益相对稳定，风险可控。南向通方面，该负责人表示，内地投资者通过南向通，对全球配置和收益潜力更高的产品兴趣浓厚。主要偏好包括：定期存款/货币市场基金，尤其是港币、美元币种的短期存款和货币基金、美元/港元债券基金，受利率环境影响吸引力显著。工行深圳市分行相关负责人建议，投资者应结合自身财务状况、投资目标及期限综合评估，保守型投资者可优先选择低波动、保本型产品；稳健型可配置债券类资产；平衡型及以上可适当增加权益类资产比例。同时，需关注“跨境理财通”产品的风险评级与自身匹配度，避免超风险承受能力投资。那么投资者应如何了解研究跨境产品特性？工行深圳市分行相关负责人表示，了解“跨境理财通”产品特点，需要结合官方权威信息、深入分析产品要素，尤其是产品类型、风险、费用，以及特别关注产品跨境属性会存在汇率风险，南向通中外币产品受汇率波动影响，需有一定风险承受力。通过产品说明书、自我评估和持续学习来做出审慎决策。切记不要被单一的高收益预期吸引，而忽视了背后潜在的风险因素。（CIS）“中国基金报：报道基金关注的一切Chinafundnews长按识别二维码，关注中国基金报版权声明：《中国基金报》对本平台所刊载的原创内容享有著作权，未经授权禁止转载，否则将追究法律责任。授权转载合作联系人：于先生（电话：0755-82468670）万水千山总是情，点个 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跨境财富谈 | “跨境理财通”需求倍增 工商银行力推随时随地手机开户

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跨境财富谈 | “跨境理财通”需求倍增工商银行力推随时随地手机开户